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  • beanielou
    beanielou Posts: 96,235 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are back :)
    Great news on the award.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • welcome back x
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hanging out with your mates, shirking your applications - sounds like heaven - that old protestant work ethic got a lot done, but isn't that much fun - and we all need some of that once in a while
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Frogs 

    Ribbet ribbet

    They will get done eventually. You are reacclimating to being back 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • doingitanyway
    doingitanyway Posts: 10,217 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I'm happy when I get things done @mark55man my protestant work ethic is so ingrained! 
    That said I had a lovely day yesterday and have no regrets  :)

    Thanks @savingholmes I am indeed reacclimatising to being back  :)

    I am experimenting with my fancy all dancing electric cook pot. I made a buckwheat and teff porridge in it with coconut cream. I had it in for 6 minutes, it needs 10 and a bit more liquid. Going to add blueberries before, instead of after next time. Could be my go to breakfast when I settle in my own home.

    Prepped veggies for vegetable and bacon soup. 

    I've been lucky with YS veggies. I got 5p herbs, 10p packet of 4 sweetcorn and 60p X2 blueberries. I use my post evening meal BS walk to pop into Mr.S and it seems to be paying off exercise and MSE wise  :)

    Have a good day all.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,217 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    A blergh day but kept going anyway.

    I ate 2 financial frogs
    I completed a job application  could I submit it? No! so sent an email to HR as an error message blocks me from applying. Annoying.
    I was NSD
    Parcel ready for post office tomorrow
    So, all done according to my planned list.

    I did not manage to stay AF. Had a small glass of white with supper...

    Wasted some money on a toiletry yesterday. For some reason it is bugging me. Will pass it on to a family member.

    My day lacked 'flow' somehow but I got through it all the same.

    Tomorrow I have:
    1 financial frog
    Take a parcel to the PO
    Chase HR re submitting application

    Going to do some work out of the house tomorrow. Starting to feel slobby staying in...

    I am doing my after evening meal walk but need to do a proper first thing walk for exercise too. Going to start it tomorrow.

    Hope everyone is ok.

    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • jwil
    jwil Posts: 22,288 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on tackling the frog!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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